Darrin Hodgetts, University of Waikato, New ZealandShiloh Groot, University of Auckland, New ZealandKerry Chamberlain, Massey University, New ZealandEmily Garden, Auckland City Mission, New ZealandDaniel G Cooper, Institute on Public Safety and Social Justice, Adler School, USABradley D Olson, National Louis University, USAPetra Rodik, University of Zagreb, CroatiaAïda Ballester, Universitat de Barcelona, SpainMoisés Carmona, Universitat de Barcelona, SpainRubén David Fernández, Universitat de Barcelona, SpainAna González, Universitat de Barcelona, SpainJohanna Jiménez, Universitat de Barcelona, SpainElies Martínez, Universitat de Barcelona, SpainIrene Moulas, Universitat de Barcelona, SpainLaura Peret, Universitat de Barcelona, SpainCarolina Viano, Universitat de Barcelona, SpainAlexandre Papamichail, University of Bristol, UKPetros Mizamidi, Independent Scholar, GreeceMark Burton, Manchester Metropolitan University, UKAdriano Zamperini, University of Padua, ItalyMarialuisa Menegatto, Verona University, ItalySalman Turken, University of Oslo, NorwayErik Carlquist, University of Oslo, NorwayHenry Allen, University of East Anglia, UKJacqui Akhurst, York St John University, UKJacqui Lovell, York St John UniversityPaul Hanna, University of Brighton, UKLiz Cunningham, University of Brighton, UKCarl Walker, University of Brighton, UKCeylan Cizmeli, State University of NewYork at Oswego, USAMert Demir, City University of New York, USADolores S. Miranda Gierbolini, University of Puerto RicoIda de Jesús Collazo, University of Puerto RicoDouglas Marlon Arévalo MiraBruce Curtis, University of Auckland, New ZealandCate Curtis, University of Waikato, New Zealand

• Introduction; Serdar M. Degirmencioglu and Carl Walker PART I: AUSTERITY, FINANCIALISATION AND SERIAL ASSET EXTRACTION: UNDERSTANDING INSTITUTIONALISED SUFFERING 1. Debt in the Everyday Lives of 100 Families Experiencing Urban Poverty in New Zealand; Darrin Hodgetts, Shiloh Groot, Kerry Chamberlain and Emily Garden 2. All Roads Lead to Finance: A Critical Overview of Debt in the U.S.; Daniel G Cooper and Bradley D Olson 3. The Impact of the 'Swiss Francs Loans' Crisis on Croatian Households; Petra Rodik 4. The Consequences of Evictions in Spain; Aida Ballester, Moises Carmona, Ruben David Fernandez, Ana Gonzalez, Johanna Jimenez, Elies Martinez, Irene Moulas, Laura Peret, and Carolina Viano 5. The Experiences of Individuals in Debt During an Era of Extreme Austerity in Greece; Alexandre Papamichail and Petros Mizamidis PART II: THE PUBLIC FACE OF THE DEBT INDUSTRY: DISCOURSE AND WELLBEING 6. Debt Dynamics in the UK and Beyond: How Propaganda Impedes Effective Political Action; Mark Burton 7. The Social Construction of 'Indebted Man': Economic Crisis, Discursive Violence and the Role of Mass Media in Italy; Adriano Zamperini and Marialuisa Menegatto 8. Chasing Happiness through Personal Debt: An Example of Neoliberal Influence in the Norwegian Society; Salman Turken, Erik Carlquist and Henry Allen 9. 'Financial Capability' Considered from a Community Psychology-informed Process in the North East of England; Jacqui Akhurst and Jacqui Lovell 10. The Indebted Individual: Dominant Discourses and Alternative Understandings of Personal Debt in the UK; Paul Hanna, Liz Cunningham and Carl Walker PART III: POLITICAL HISTORIES OF PERSONAL DEBT: MANAGED DECLINE, THE DEBT INDUSTRY AND WELLBEING 11. Peer-to-Peer Lending As a New Profit Industry and Debt Trap; Ceylan Cizmeli and Mert Demir 12. Rethinking the Personal Debt Industry: Voices from Puerto Rico; Dolores S. Miranda Gierbolini and Ida de Jesus Collazo 13. Personal Debt in a Third World Latin American society; Douglas Marlon Arevalo Mira 14. The Personal Debt Industry: Racist debt practices and Pasifika peoples in New Zealand; Bruce Curtis and Cate Curtis Conclusion

Darrin Hodgetts, University of Waikato, New ZealandShiloh Groot, University of Auckland, New ZealandKerry Chamberlain, Massey University, New ZealandEmily Garden, Auckland City Mission, New ZealandDaniel G Cooper, Institute on Public Safety and Social Justice, Adler School, USABradley D Olson, National Louis University, USAPetra Rodik, University of Zagreb, CroatiaAïda Ballester, Universitat de Barcelona, SpainMoisés Carmona, Universitat de Barcelona, SpainRubén David Fernández, Universitat de Barcelona, SpainAna González, Universitat de Barcelona, SpainJohanna Jiménez, Universitat de Barcelona, SpainElies Martínez, Universitat de Barcelona, SpainIrene Moulas, Universitat de Barcelona, SpainLaura Peret, Universitat de Barcelona, SpainCarolina Viano, Universitat de Barcelona, SpainAlexandre Papamichail, University of Bristol, UKPetros Mizamidi, Independent Scholar, GreeceMark Burton, Manchester Metropolitan University, UKAdriano Zamperini, University of Padua, ItalyMarialuisa Menegatto, Verona University, ItalySalman Turken, University of Oslo, NorwayErik Carlquist, University of Oslo, NorwayHenry Allen, University of East Anglia, UKJacqui Akhurst, York St John University, UKJacqui Lovell, York St John UniversityPaul Hanna, University of Brighton, UKLiz Cunningham, University of Brighton, UKCarl Walker, University of Brighton, UKCeylan Cizmeli, State University of NewYork at Oswego, USAMert Demir, City University of New York, USADolores S. Miranda Gierbolini, University of Puerto RicoIda de Jesús Collazo, University of Puerto RicoDouglas Marlon Arévalo MiraBruce Curtis, University of Auckland, New ZealandCate Curtis, University of Waikato, New Zealand

• Introduction; Serdar M. Degirmencioglu and Carl Walker PART I: AUSTERITY, FINANCIALISATION AND SERIAL ASSET EXTRACTION: UNDERSTANDING INSTITUTIONALISED SUFFERING 1. Debt in the Everyday Lives of 100 Families Experiencing Urban Poverty in New Zealand; Darrin Hodgetts, Shiloh Groot, Kerry Chamberlain and Emily Garden 2. All Roads Lead to Finance: A Critical Overview of Debt in the U.S.; Daniel G Cooper and Bradley D Olson 3. The Impact of the 'Swiss Francs Loans' Crisis on Croatian Households; Petra Rodik 4. The Consequences of Evictions in Spain; Aida Ballester, Moises Carmona, Ruben David Fernandez, Ana Gonzalez, Johanna Jimenez, Elies Martinez, Irene Moulas, Laura Peret, and Carolina Viano 5. The Experiences of Individuals in Debt During an Era of Extreme Austerity in Greece; Alexandre Papamichail and Petros Mizamidis PART II: THE PUBLIC FACE OF THE DEBT INDUSTRY: DISCOURSE AND WELLBEING 6. Debt Dynamics in the UK and Beyond: How Propaganda Impedes Effective Political Action; Mark Burton 7. The Social Construction of 'Indebted Man': Economic Crisis, Discursive Violence and the Role of Mass Media in Italy; Adriano Zamperini and Marialuisa Menegatto 8. Chasing Happiness through Personal Debt: An Example of Neoliberal Influence in the Norwegian Society; Salman Turken, Erik Carlquist and Henry Allen 9. 'Financial Capability' Considered from a Community Psychology-informed Process in the North East of England; Jacqui Akhurst and Jacqui Lovell 10. The Indebted Individual: Dominant Discourses and Alternative Understandings of Personal Debt in the UK; Paul Hanna, Liz Cunningham and Carl Walker PART III: POLITICAL HISTORIES OF PERSONAL DEBT: MANAGED DECLINE, THE DEBT INDUSTRY AND WELLBEING 11. Peer-to-Peer Lending As a New Profit Industry and Debt Trap; Ceylan Cizmeli and Mert Demir 12. Rethinking the Personal Debt Industry: Voices from Puerto Rico; Dolores S. Miranda Gierbolini and Ida de Jesus Collazo 13. Personal Debt in a Third World Latin American society; Douglas Marlon Arevalo Mira 14. The Personal Debt Industry: Racist debt practices and Pasifika peoples in New Zealand; Bruce Curtis and Cate Curtis Conclusion

Darrin Hodgetts, University of Waikato, New ZealandShiloh Groot, University of Auckland, New ZealandKerry Chamberlain, Massey University, New ZealandEmily Garden, Auckland City Mission, New ZealandDaniel G Cooper, Institute on Public Safety and Social Justice, Adler School, USABradley D Olson, National Louis University, USAPetra Rodik, University of Zagreb, CroatiaAïda Ballester, Universitat de Barcelona, SpainMoisés Carmona, Universitat de Barcelona, SpainRubén David Fernández, Universitat de Barcelona, SpainAna González, Universitat de Barcelona, SpainJohanna Jiménez, Universitat de Barcelona, SpainElies Martínez, Universitat de Barcelona, SpainIrene Moulas, Universitat de Barcelona, SpainLaura Peret, Universitat de Barcelona, SpainCarolina Viano, Universitat de Barcelona, SpainAlexandre Papamichail, University of Bristol, UKPetros Mizamidi, Independent Scholar, GreeceMark Burton, Manchester Metropolitan University, UKAdriano Zamperini, University of Padua, ItalyMarialuisa Menegatto, Verona University, ItalySalman Turken, University of Oslo, NorwayErik Carlquist, University of Oslo, NorwayHenry Allen, University of East Anglia, UKJacqui Akhurst, York St John University, UKJacqui Lovell, York St John UniversityPaul Hanna, University of Brighton, UKLiz Cunningham, University of Brighton, UKCarl Walker, University of Brighton, UKCeylan Cizmeli, State University of NewYork at Oswego, USAMert Demir, City University of New York, USADolores S. Miranda Gierbolini, University of Puerto RicoIda de Jesús Collazo, University of Puerto RicoDouglas Marlon Arévalo MiraBruce Curtis, University of Auckland, New ZealandCate Curtis, University of Waikato, New Zealand

• Introduction; Serdar M. Degirmencioglu and Carl Walker PART I: AUSTERITY, FINANCIALISATION AND SERIAL ASSET EXTRACTION: UNDERSTANDING INSTITUTIONALISED SUFFERING 1. Debt in the Everyday Lives of 100 Families Experiencing Urban Poverty in New Zealand; Darrin Hodgetts, Shiloh Groot, Kerry Chamberlain and Emily Garden 2. All Roads Lead to Finance: A Critical Overview of Debt in the U.S.; Daniel G Cooper and Bradley D Olson 3. The Impact of the 'Swiss Francs Loans' Crisis on Croatian Households; Petra Rodik 4. The Consequences of Evictions in Spain; Aida Ballester, Moises Carmona, Ruben David Fernandez, Ana Gonzalez, Johanna Jimenez, Elies Martinez, Irene Moulas, Laura Peret, and Carolina Viano 5. The Experiences of Individuals in Debt During an Era of Extreme Austerity in Greece; Alexandre Papamichail and Petros Mizamidis PART II: THE PUBLIC FACE OF THE DEBT INDUSTRY: DISCOURSE AND WELLBEING 6. Debt Dynamics in the UK and Beyond: How Propaganda Impedes Effective Political Action; Mark Burton 7. The Social Construction of 'Indebted Man': Economic Crisis, Discursive Violence and the Role of Mass Media in Italy; Adriano Zamperini and Marialuisa Menegatto 8. Chasing Happiness through Personal Debt: An Example of Neoliberal Influence in the Norwegian Society; Salman Turken, Erik Carlquist and Henry Allen 9. 'Financial Capability' Considered from a Community Psychology-informed Process in the North East of England; Jacqui Akhurst and Jacqui Lovell 10. The Indebted Individual: Dominant Discourses and Alternative Understandings of Personal Debt in the UK; Paul Hanna, Liz Cunningham and Carl Walker PART III: POLITICAL HISTORIES OF PERSONAL DEBT: MANAGED DECLINE, THE DEBT INDUSTRY AND WELLBEING 11. Peer-to-Peer Lending As a New Profit Industry and Debt Trap; Ceylan Cizmeli and Mert Demir 12. Rethinking the Personal Debt Industry: Voices from Puerto Rico; Dolores S. Miranda Gierbolini and Ida de Jesus Collazo 13. Personal Debt in a Third World Latin American society; Douglas Marlon Arevalo Mira 14. The Personal Debt Industry: Racist debt practices and Pasifika peoples in New Zealand; Bruce Curtis and Cate Curtis Conclusion